Enabling every company to be a fintech company

Theorem is a modern finance platform to grow your revenue through real-time financial infrastructure.

Grow your company on a real-time, fully proven foundation

Accounting

Record-to-Report
explain
88close tasks·91%auto-cleared·8awaiting you·4critical pathNorthwind · Oct close · WD+2 of WD+4
continuous close · Oct · day 3 of 4
88 close tasks 80 auto-cleared · 90.9%
41auto-certified recon39auto-posted · reversed8need you
8
need a human
close board · j/k8 / 88
▾ 80 more · auto-cert recons hidden · by area · owner

GRNI accrual

JE-2025-10-4471 · WD+2 · critical path · D. Whorf
entry #JE-2025-10-4471
typeaccrual · auto-reverse 11/01
periodOct 2025 · OPEN
sourceclose · GRNI
bookUS GAAP · primary
memoAWS + Contoso received-not-invoiced
account · dimensionsdrcr
6210 · Outside ServicesEng · US01 · Proj-Atlas 99$41,200
6215 · Cloud InfrastructureEng · US01 · — 97$12,810
2105 · GRNI accrualUS01 · — 99$54,010
Σ balanced ✓$54,010$54,010
gates · post blocked until clear
◆ balanced Σ dr = Σ cr per balancing segment · 3 linespass
◆ dimensions valid combo · CVR US01·Eng·Proj-Atlas ✓pass
◆ period Oct 2025 OPEN · not locked · book = US GAAPpass
◆ SoD preparer D. Whorf ≠ approver · routing armedapprove
hash-chained ledger · posts immutablechain ✓ verified
#88,213 JE-…4468 · FX reval9f2c…a014
#88,214 JE-…4469 · Alloc step-1c731…77be
#88,215 JE-…4470 · Slack subscr.e0a5…1d92
#88,216 ← this entry · prev c-link e0a5…1d92sha256 → on post
gl.postv4engineAI-proposed · edit · ⌫ reject → retrains accrual model
ASC 855 / GAAP completenessCOSO P13signs · D. Whorf → controller
area · tasks donetrend
Recon41/44▇▇██
GL core9/12▆▇▆▇
Close mgmt4/11▄▅▅▆
Consol1/6▂▃▃▄
Reporting0/7▁▂▂▃
Fixed assets6/8▅▅▆▆
auto-certified41 ▲
awaiting you8
critical path4 · WD+4
overdue0
continuous close · day 3 of 4
auto-cert ≥ no MoM Δ · ties GL · zero-bal
gl.post v4 · hash-chain seq 88,215
posted JEs immutable · reverse / adjust only

Continuous Close

Realize value faster with an incredibly fun finance copilot

Revenue trend$510k
JulAugSepOctNovDec
Revenue
Expenses
Profit
MoM Growth
+10.8%
Gross Margin
41.2%
Burn Rate
$300k

FP&A

Complexity into Conviction

Theorem enables finance & ops answers instantly through a real-time system of record that finally brings the CFO suite into the modern era.

Day 0 Close
Dec 31, 2024
Journal EntriesDone
AP ReconciliationDone
Bank ReconciliationDone
Financial StatementsIn progress
Board Report
Close progress60%

Accounting

Zero-day Close

Theorem leverages native AI-powered accounting for automated close management, multi-entity accounting, and investor & GAAP reporting.

Outstanding$54,850
S
Stellar Corp
Due Dec 15
$24,500Paid
M
Meridian LLC
Due Dec 28
$8,200Pending
V
Vantage Group
Due Dec 10
$15,750Overdue
N
Northstar Inc
Due Jan 5
$6,400Pending
1 Overdue
2 Pending
1 Paid

Accounts Receivable

Get Paid on Time

Synchronize contracts directly from your CRM for streamlined financial review and approval.

Upcoming payments$65,630
ST
Stripe
Due Today
$3,200
AW
AWS
In 3 days
$12,480
SF
Salesforce
In 7 days
$8,750
GU
Gusto
In 14 days
$41,200
This month
38% of budget

Accounts Payable

Never Miss a Payment

All transactions are synced and posted to your general ledger in seconds to make AP accounting simple and automated.

Cash balance
$760k↑ 9.4%
Recent transactions
3/3 reconciled
Stripe payout+$18,420
AWS invoice−$12,480
Payroll transfer−$41,200

Banking

Automatic Banking Reconciliation

Know exactly where your cash is with Theorem's integrated data layer with automated data entry and reporting for continuous context.

Embedded Finance

Maximize company lifetime value with delightful products

Northwind Card
•••• •••• •••• 4291
Balance
$8,890
SaaS
$4,280
Travel
$2,150
Marketing
$1,840
Office
$620
Monthly spend
$8,890
vs last month
−12.4%
Active cards
14

Expense Management

Corporate Cards

Boost spending power and control with real-time spend categorization, budget controls and approval workflows for automatic cash flow context on every spend decision.

Transfers$72,100
OperatingVendor
$12,480Sent
ReservePayroll
$41,200Scheduled
RevenueReserve
$18,420Sent
Inbound
+$18,420
Outbound
−$53,680

Payments

Money Movement

Enable automatic straight-through payment of invoices through programmatic processing of invoices and billing.

const client = new Theorem({
apiKey: process.env.THEOREM_KEY
})
await client.ledger.post({
amount: 12480, currency: 'usd'
})
Webhook stream
payment.succeeded2ms ago
invoice.created14ms ago
ledger.entry.posted31ms ago

Automation

Developer Tools

Build once and automate forever with agent-ready protocols and real-time data access.

Embedded products
Business Checking
$124,500
+2.1%
Credit Line
$50,000
Available
Yield Account
$280,000
+4.8% APY
3 products live · 2 in review

Embedded Services

Financial Services

Derive new portions of revenue through effortless development of new financial products and services your customers will love.

ARR Growth
$54M↑ 20% YoY
JFMAMJJASOND
NRR
118%
CAC Payback
8mo
Churn
0.8%

Strategy

Fast track to clarity

Become more strategic and deliver unique insights to grow your revenue.